Last Updated: March 01, 2023

At SarvaMoney, we value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and safeguard your information when you access our website, mobile applications, and digital payment services.

Information We Collect

We may collect the following types of information:

• Full Name
• Email Address
• Mobile Number
• Residential Address
• Location Information
• Device Information
• Transaction Details
• Usage and Analytics Data
• Uploaded Documents, Images, or Files
• Contact List (with your permission)

How We Use Your Information

Your information may be used to:

• Provide and maintain our services.
• Verify your identity and manage your account.
• Process transactions and wallet services.
• Send service notifications and security updates.
• Improve customer experience and platform performance.
• Comply with legal and regulatory requirements.
• Prevent fraud, unauthorized access, and misuse.

Cookies & Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience, remember preferences, improve website functionality, and analyze website usage. You may disable cookies through your browser settings, although some features may not function properly.

Information Sharing

We do not sell your personal information. However, we may share information with trusted third-party service providers, affiliates, regulatory authorities, or business partners when necessary to:

• Provide our services.
• Process transactions.
• Comply with legal obligations.
• Prevent fraud and security threats.
• Facilitate business transfers or mergers.

Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. While we strive to protect your data, no electronic transmission or storage method can guarantee absolute security.

Data Retention

We retain personal information only as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements.

At Sarva Money, we retain your personal data, transaction logs, and business records only for as long as is strictly necessary to fulfill the purposes outlined in this Privacy Policy, comply with our legal and regulatory obligations, resolve disputes, and enforce our corporate agreements.

Our specific data retention schedules are structured as follows:

• Transactional & Financial Data: In compliance with the Prevention of Money Laundering Act (PMLA) and core Reserve Bank of India (RBI) guidelines, all financial transaction records, domestic money transfer logs, and utility payment history are securely stored for a mandatory minimum period of 5 (five) years from the date of the transaction.
• Identity Verification & KYC Records: Merchant onboarding documents, biometric verification receipts (excluding raw biometric data), PAN details, and associated identification records collected during registration will be retained for 5 (five) years following the termination or closure of your Sarva Money agent or distributor account.
• Operational & Technical Logs: System audit trails, IP address records, and login history used to guarantee application security and fraud prevention are generally retained for up to 1 (one) year, unless an active investigation requires extended storage.

Once the legally mandated retention period expires and the data is no longer required for regulatory compliance or fraud monitoring, Sarva Money employs advanced technical measures to securely delete, purge, or completely anonymize the information so that it can no longer be linked back to any specific individual.

Children's Privacy

Our services are not intended for individuals under the age of 13. We do not knowingly collect personal information from children.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of external websites and encourage users to review their privacy policies separately.

Policy Updates

We may update this Privacy Policy periodically to reflect changes in our services, legal requirements, or operational practices. Any updates will be published on this page with the revised effective date.

Contact Us

If you have any questions regarding this Privacy Policy or how your information is handled, please contact our support team.